GE Capital
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I made a huge mistake by purchase a piece of furniture from Rooms To Go through GE Capital. There are absolutely NO grace periods, and when they charge a late fee they do it in a sneeky way...Your bill will give you a minimum payment due, BUT! it will not include an entire late fee. The minimum payments only include a portion of the late fee so if you don't look into your account very carefully, if you only pay the minimum payment, you wind up only paying a portion of the late fee and every subsequent month carries a portion of a late fee, which in turns make you late every month for the minimum payment, which in turn causes another late fee to hit your account! They are legal scam artists! Stay away and avoid doing any business with them. I have had to call them every month since my purchase in September 2012 until I finally figured out how they suck more money out of you. Their customer service is very sneaky and lacks clear communication. They only care about the money and not keeping valued customers. This is why Rooms To Go offers interest-free financing. Because they only use GE Capital and because of tough economic times for most of us, they bet on late payment fees and their monthly rollover of late fees incorporated into the credit financing. And on top of it, they only allow one waiver of late fees per 12-month period. I have held credit all my life without any problems. GE Capital does not care about their customers!!!!!